Advertising
Advertising

3 Basic Advice for Newlyweds On Picking Out Furniture

3 Basic Advice for Newlyweds On Picking Out Furniture

Newlyweds have trouble enough without having to worry about picking out furniture. In a perfect world, every newly married bride and groom has rich enough friends that the bridal shower includes teak dining tables, mahogany chests of drawers, sofas fitted with a freezer for keeping cold drinks cold, and a microwave for keeping popcorn warm. In my own experience, we had to scour every last coin we had just to get our life after marriage as comfortable and as pleasing as possible. Alas, such a perfect world is not the one into which most people marry.

Argue Now, Laugh Later

Then again, picking out your first furniture together may be one of the longest-lasting and happiest memories of your entire marriage. Of course, going shopping for furniture for the first time together as a couple can be a lot less interesting if you both share the same tastes. Fortunately, the trope that opposites attract is true often enough that very few newly wedded couples head to the furniture store with both parties in full agreement that French Provincial or Georgian or even Art Deco is the way to go. Here’s the thing to keep in mind when the debates over furniture styles start: you will one day look back on those arguments and laugh.

Advertising

The point? Don’t be afraid to stake a claim for a Gate-leg table even if your so-called better half insists that his family has always been a dropleaf table family and always will be a dropleaf table family.

The Bare Necessities

You may have heard an old married couple boast that during their first year of marriage, the only furniture they owned was a bed — and it was all they needed. Maybe that’s true, but it’s probably not. No matter how deep your love may be, you need more than a bed.

Advertising

The barest of necessities include a bed, of course, and some sort of multi-person sitting apparatus, whether it be sofa, davenport, love seat, or futon. Do NOT underestimate the value of night stands for each of you. Seriously, relying on just one night stand could very well wind up being what eventually leads you straight to divorce court. Okay, maybe it won’t be that bad, but you’ll be glad you considered two nightstands to be part of the bare necessities.

Double Duty, Single Price

Of course, you could kill two birds with one stone by investing in a sofa bed or a futon that turns into a bed if you are either short on money or short on square footage. Indeed, the single best thing to keep in mind when shopping for furniture when either or both of those aspects apply is to look for furnishings capable of double duty or even triple duty.

Advertising

In addition to the magic of turning your couch into a bed, consider nesting tables that take up precious little room when stacked for storage, but can be rearranged to become a dining table or home office desk if needed. You won’t find a lot of this kind of furniture in secondhand stores, but the higher upfront cost can be justified when you are buying just one item instead of two or three or even four.

Should, by chance, your impending nuptials lead you to a post-ceremony situation in which shopping for furniture is constrained by neither budget nor severely limited geography, a word of warning is in order. All marriages begin happily enough, but keep in mind that lining up a honeymoon cottage filled with the finest furniture you can purchase while still remaining at least one dollar below your credit card limit can quickly become a house of horrors when that honeymoon ends more quickly than expected. Don’t overextend your finances while basking in the glow of extending full-tax filing status to your current fiance. In other words, use your head as well as your heart when furniture shopping for the first time as husband and wife.

Advertising

Featured photo credit: People’s Choice Credit Union via peopleschoicecu.com.au

More by this author

Junie Rutkevich

Game Developer of iXL Digital

8 Things You Should Consider Looking At When Buying A Home, Part 2 Zinc: The Usually Forgotten Micronutrient We Need Daily and Its Food Source How to Make Sure What You Sell Is What the Market Needs 7 Things To Consider Before Hiring An Advertising Agency Is It Necessary To Follow Traffic Rules?

Trending in Budget Activity

1 6 Easy Ways to Treat Yourself 2 7 Websites to Sell Used Stuff Profitably 3 Seven Tips to Save Money While Renovating Your Home 4 4 Ways to Make Every Penny Stretch in 2017 5 Getting Out of Debt in 4 Simple Steps

Read Next

Advertising
Advertising
Advertising

Last Updated on April 3, 2019

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider Consolidating Multiple Credit Cards If Possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

Advertising

Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to Pay the Full Balance You Spent Each Month at the Very Least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay Extra When You Can – Every Small Amount Counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

Advertising

It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a Plan on How to Pay Extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out Costs for Services You Do Not Use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

Advertising

6. Get Aggressive About It

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate Your Progress at Set Intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

Advertising

Finally (and most importantly)…

8. Keep Trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start Knocking out Your Debt Today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

More Resources About Better Money Management

Featured photo credit: Pexels via pexels.com

Read Next